P2P模式互联网金融消费者权益保护问题研究

发布时间：2018-06-07 03:17

本文选题：互联网金融消费者 + P2P模式　；参考：《东北师范大学》2017年硕士论文

【摘要】：P2P网络借贷作为互联网金融创新浪潮的代表,在我国属于新兴事物,其特点、模式、服务对象等都与传统的金融借贷模式存在很大的差别。然而,由于其回报率高、出资门槛低、流动性强、手续便捷、方便操作等优点,发展势头迅猛,相当数量的人参与其中。但是,受我国分层、分业和主体导向的金融监管体制的影响,国家的监管难以满足实际需要,P2P金融行业风险事件接连发生,致使对互联网金融消费者权益的保护尤为迫切。本文以P2P模式互联网金融消费者权益保护为研究对象,深入探讨互联网金融消费者保护立法的基本原则和相关趋势,为互联网金融消费者权益的保护奠定理论基础,以此为铺垫,对互联网金融涉及的各方权利义务进行分析,提出目前我国互联网金融消费者权益保护的困境,并最后提出对于保护互联网金融消费者权益的困境提出解决对策,以此为基础本文内容主要分为以下几个部分:第一章为互联网金融消费者权益保护基础理论,主要介绍互联网金融消费的概念。并对互联网金融各方的权利义务进行了分析。第二章对互联网金融法律责任的特殊性进行了阐述,并讨论了互联网金融侵权责任的归责原则。提出了互联网金融争议的特殊性及其解决困境。第三章阐述了互联网金融消费权益保护的价值取向,互联网金融消费者权益保护的三个基本原则,以及作者对于互联网金融平台经营者义务以及消费者权益的审视。笔者提出了目前我国互联网金融纠纷的主要问题,并借鉴外国经验介绍了ADR和ODR两种争议解决模式。在最后的结论中,笔者针对互联网金融领域的消费者权益保护提出均衡协调的立法理念,探讨了对于立法技术方面的完善建议。
[Abstract]:P2P network lending, as a representative of the wave of Internet financial innovation, is a new thing in our country. Its characteristics, modes, service objects and so on are very different from the traditional financial lending mode. However, due to its high rate of return, low threshold of investment, strong liquidity, convenient procedures, convenient operation and other advantages, the rapid development momentum, a considerable number of people participate in it. However, influenced by the layered, separated and subject-oriented financial supervision system in China, it is difficult for national supervision to meet the actual needs of P2P financial industry risk events have occurred one after another, resulting in the protection of Internet financial consumers' rights and interests is particularly urgent. In this paper, the P2P model of Internet financial consumer rights and interests protection as the research object, in-depth discussion of Internet financial consumer protection legislation basic principles and related trends, for the protection of Internet financial consumer rights and interests of the theoretical basis, On this basis, this paper analyzes the rights and obligations of all parties involved in Internet finance, puts forward the dilemma of protecting the rights and interests of Internet financial consumers in China at present, and finally puts forward solutions to the plight of protecting the rights and interests of Internet financial consumers. Based on this, the content of this paper is divided into the following parts: the first chapter is the basic theory of the protection of the rights and interests of Internet financial consumers, mainly introduces the concept of Internet financial consumption. And the rights and obligations of all parties to Internet finance are analyzed. The second chapter expounds the particularity of Internet financial liability and discusses the principle of liability imputation of internet financial tort liability. This paper puts forward the particularity of Internet financial dispute and its solution. The third chapter expounds the value orientation of Internet financial consumption rights and interests protection, three basic principles of Internet financial consumer rights and interests protection, as well as the author of the Internet financial platform operator obligations and consumer rights and interests. The author puts forward the main problems of Internet financial disputes in our country at present, and introduces two kinds of dispute settlement modes of ADR and ODR for reference from foreign experience. In the final conclusion, the author puts forward a balanced and coordinated legislative idea for the protection of consumers' rights and interests in the field of Internet finance, and probes into some suggestions for the perfection of legislative technology.
【学位授予单位】：东北师范大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D923.8

【参考文献】